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\U0001f4f1Watch the full episode for free in the Ramsey Network app.\nGeorge Kamel & Jade Warshaw answer your questions and discuss:\n\n"I have $164K in a HELOC and $0 in savings,"\n\n"Is it ethical for my boss to stop giving bonuses?"\n\n"What's the correct way to set up a budget?"\n\nWhy you need to start paying your student loans,\n\n\nCan Young People Buy a Home in 2024? These 5 Millennials Proved It\u2019s Possible,\n\nHow to Set Boundaries: 7 Simple Steps,\n\n\nSupport Our Sponsors:\n\n\U0001f331 Get 10% off your first month of BetterHelp\n\n\n\U0001f3e5 Learn more about Christian Healthcare Ministries\n\n\n\U0001f3e1 Get started today with Churchill Mortgage\n\n\n\U0001f3e6 Go to FAIRWINDS Credit Union for an exclusive account bundle!\n\n\U0001f4bb Visit NetSuite today to learn more\n\n\U0001f6a8 Get 15% off a medical emergency kit at The Wellness Company\n\n\n\U0001f4d6 Learn More about Timothy Partners\n\n\n\U0001f3dbGet started with YRefy or call 844-2-RAMSEY\n\n\U0001f510 Visit Zander Insurance for your free instant quote today!\n\n\nNext Steps\n\U0001f911 Learn How to Build a Budget\n\U0001f3d8\ufe0f Free Tools & Resources to Reach Your Home Goals\n\U0001f4de Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!\n\U0001f3e0 Find a Ramsey Trusted Real Estate Agent\n\U0001f4b5 Start your free budget today. Download the EveryDollar app!\n\U0001f6f3\ufe0f Live Like No One Else Cruise\n\u26a1\ufe0fNew-Must Have Money Book for Teens!\n\nListen to more from Ramsey Network\n\U0001f399\ufe0f The Ramsey Show \xa0\n\U0001f9e0 The Dr. John Delony Show\n\U0001f378 Smart Money Happy Hour\n\U0001f4a1 The Rachel Cruze Show\n\U0001f4b8 The Ramsey Show Highlights\n\U0001f4b0 George Kamel\n\U0001f4bc The Ken Coleman Show\n\U0001f4c8 EntreLeadership\n\nLearn more about your ad choices.\xa0https://www.megaphone.fm/adchoices\nRamsey Solutions Privacy Policy